Re: The Decline And Fall Of Journalism
So, are you suggesting that black people with the same income and lifestyle and age and sex (+13 others parameters) as white people had *worse* credit scores?
Is it the melanin that makes black people bad at managing their credit or the curly hair?
At best your claim here, is that the credit scores are hiding the racism, rather than the mortgage lender.
Which, quite honestly, is probably correct. They almost certainly do have a race item in the scoring and will be double counting it. Since the researcher filters for one rather than the other, they'll be uncovering the double-counting based on pure racism.
e.g. credit company finds that [black] correlates to [poor housing] correlates to [mortgage arrears].
and that [poor housing] correlates to [mortgage arrears] and uses both parameters.
So technically [black] correlates to [mortgage arrears]. If however you control for the [poor housing] they're currently in, the credit score still contains the [black] double count.